v3.26.3
Segment Information (Tables)
 9 Months Ended
Sep. 30, 2026
Segment Reporting [Abstract]  
Schedule of financial information regarding the entity's reportable segments
Financial information regarding our reportable segments is set forth below for the three months ended September 30, 2026 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$446.5 $114.7 $561.2 
Operating expenses
Cost of services (exclusive of depreciation and amortization)289.7 19.6 309.3 
Finance interest expense— 28.2 28.2 
Provision for credit losses0.7 7.7 8.4 
Selling, general and administrative108.6 14.8 123.4 
Depreciation and amortization18.6 2.9 21.5 
Total operating expenses490.8 
Operating profit28.9 41.5 70.4 
Interest expense10.0 
Other income, net(0.4)
Loss on extinguishment of debt0.7 
Income before income taxes60.1 
Income taxes15.4 
Net income$44.7 

Financial information regarding our reportable segments is set forth below for the three months ended September 30, 2025 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$389.4 $109.0 $498.4 
Operating expenses
Cost of services (exclusive of depreciation and amortization)252.1 18.1 270.2 
Finance interest expense— 28.1 28.1 
Provision for credit losses1.8 9.7 11.5 
Selling, general and administrative97.6 13.3 110.9 
Depreciation and amortization19.7 3.0 22.7 
Total operating expenses443.4 
Operating profit18.2 36.8 55.0 
Interest expense1.1 
Other income, net(2.2)
Income before income taxes56.1 
Income taxes8.2 
Net income$47.9 
Financial information regarding our reportable segments is set forth below as of and for the nine months ended September 30, 2026 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$1,315.3 $328.4 $1,643.7 
Operating expenses
Cost of services (exclusive of depreciation and amortization)831.9 55.5 887.4 
Finance interest expense— 78.7 78.7 
Provision for credit losses2.7 24.9 27.6 
Selling, general and administrative328.6 43.0 371.6 
Depreciation and amortization57.4 9.3 66.7 
Total operating expenses1,432.0 
Operating profit94.7 117.0 211.7 
Interest expense30.1 
Other income, net(5.6)
Loss on extinguishment of debt0.7 
Income before income taxes186.5 
Income taxes48.6 
Net income$137.9 
Total assets$2,124.8 $3,104.4 $5,229.2 
Capital expenditures$38.1 $2.6 $40.7 
Financial information regarding our reportable segments is set forth below as of and for the nine months ended September 30, 2025 (in millions):
MarketplaceFinanceConsolidated
Operating revenues$1,116.1 $324.1 $1,440.2 
Operating expenses
Cost of services (exclusive of depreciation and amortization)713.2 53.0 766.2 
Finance interest expense— 82.6 82.6 
Provision for credit losses2.3 27.2 29.5 
Selling, general and administrative292.2 40.2 332.4 
Depreciation and amortization59.3 9.1 68.4 
Loss on sale of property7.0 — 7.0 
Total operating expenses1,286.1 
Operating profit42.1 112.0 154.1 
Interest expense8.2 
Other income, net(14.6)
Income before income taxes160.5 
Income taxes42.3 
Net income$118.2 
Total assets$1,984.9 $2,831.7 $4,816.6 
Capital expenditures$37.7 $3.0 $40.7 
Schedule of information regarding the geographic areas of entity's operations Information regarding the geographic areas of our operations is set forth below (in millions):
Three Months Ended September 30,Nine Months Ended September 30,
2026202520262025
Operating revenues
U.S. $344.6 $280.4 $1,001.3 $823.3 
Foreign216.6 218.0 642.4 616.9 
$561.2 $498.4 $1,643.7 $1,440.2 
September 30,
2026		December 31,
2025
Long-lived assets
U.S.$911.8 $935.0 
Foreign715.9 735.9 
$1,627.7 $1,670.9